This is another latest sign of the tightening of capital supervision in the real estate market.
On March 30th, two industry insiders told reporters that recently, Shenzhen regulators required to check the implementation of real estate credit control policies every quarter, and whether operating loan funds flowed into the property market illegally.
On the same day, Shenzhen Banking Insurance Regulatory Bureau responded to the reporter's statement that the scope of the rolling investigation covers all existing businesses as of the end of the reporting period, including corporate and personal credit businesses of off-balance-sheet financing businesses such as real estate, commercial loans, consumer loans, credit cards, wealth management and investment, among which commercial loans are the focus of investigation, and the investigation results are reported within 5 working days after the end of each quarter.
Just last week, the China Banking Regulatory Commission, the Ministry of Housing and Urban-Rural Development and the People's Bank of China jointly issued the Notice on Preventing Operating Loans from Flowing into the Real Estate Sector in violation of regulations, and resolutely cracked down on illegal acts of operating loans flowing into the real estate sector in violation of regulations.
Shenzhen should check the mortgage every quarter.
Insiders told reporters that the specific requirements of the regulatory authorities for quarterly investigation of Shenzhen Commercial Bank include two categories, namely, real estate credit business investigation and commercial loan business investigation.
Among them, for the investigation of real estate credit business, commercial banks are required to investigate whether real estate development loans, personal housing loans, commercial housing loans, business loans, consumer loans, credit cards, and others (including wealth management and investment) violate the real estate credit policy and whether there is any illegal inflow of funds into the real estate field. If it exists, it is required to recover the illegal funds and explain the accountability.
The investigation requirements for operating loans (hereinafter referred to as operating loans) are more detailed, requiring commercial banks to conduct a detailed investigation on the scale of operating loans such as corporate working capital loans, personal operating loans, and small and micro enterprise loans. Check the loans that the operating entity is less than 65,438+0 years old or the equity of the operating company is cancelled or transferred after the loan is issued, the operating loans with a term of more than 3 years, the loans that the borrower has held the mortgaged property for less than 65,438+0 years or 6 months, the loans that the borrower or his relatives (including divorced spouses) add property within 6 months after the loan is issued, and the loans that the funds are not used or returned to the accounts of the borrower and his relatives or flow into the affiliated enterprises of the borrower according to the agreed purpose.
On the same day, Shenzhen Banking Insurance Regulatory Bureau replied to the reporter that in order to continuously strengthen credit supervision in the real estate sector and strictly observe the red line of supervision that credit funds are not allowed to flow into the real estate sector in violation of regulations, Shenzhen Banking Insurance Regulatory Bureau, together with Shenzhen Housing and Construction Bureau and Shenzhen Central Sub-branch of China People's Bank, issued a notice, and organized banks within its jurisdiction to carry out special investigations on the illegal flow of commercial loans into real estate, and established a quarterly rolling investigation mechanism for the implementation of real estate credit policies and the flow of credit funds.
Shenzhen Banking Insurance Regulatory Bureau said that it will continue to maintain the high-pressure situation of chaos rectification in the real estate credit field and continue to increase unannounced visits, supervision and inspection of real estate-related businesses. If credit funds are found to flow into the real estate sector in violation of the real estate credit policy, banks will be ordered to recover the misappropriated loans within a time limit, and the responsible departments and personnel will be seriously investigated for responsibility, and severe punishment will be imposed according to law.
Earlier, in March this year, there was an exclusive report that the local supervision in Shenzhen called a meeting of major commercial banks, requiring commercial banks to conduct self-examination on the flow of operating loan funds since 2020, and it was necessary to conduct a thorough inspection. The scope of the survey includes the purchase behavior of shareholders and their spouses who have been approved to operate loans since 2020 within six months before and after the loan, in order to understand the flow of funds.
Mortgage supervision has become stricter in an all-round way.
On March 26th, the China Banking Regulatory Commission, the Ministry of Housing and Urban-Rural Development and the People's Bank of China jointly issued the Notice on Preventing Operating Loans from Illegally Flowing into the Real Estate Sector, which urged banking financial institutions to further strengthen prudent and compliant operation and prevent operating loans from illegally flowing into the real estate sector from the aspects of strengthening borrower qualification verification, strengthening credit demand review, strengthening loan term management, strengthening loan collateral management, strengthening post-loan management and strengthening bank internal management. At the same time, it is required to further strengthen the management of intermediary institutions, establish a "blacklist" of violations, increase the accountability of punishment and make it public on a regular basis.
The above notice requires strengthening the review of credit demand. It is necessary to conduct a penetrating and substantive review of the loan demand for business purposes, and it is not allowed to relax the review of the real loan demand because of sufficient mortgage, and it is not allowed to issue business loans to enterprises whose capital flow is obviously inconsistent with the business situation. The third is to strengthen the management of loan term. The loan term should be reasonably determined according to the actual needs of the borrower. Further strengthen the internal management of operating loans with a term of more than 3 years to ensure that the funds are really used for business operations.
Recently, many banks also expressed their intention to reduce the mortgage ratio.
On March 29th, Lv Jiajin, Vice President of China Construction Bank, said at the performance conference of the bank that CCB is taking various measures to steadily promote the steady development of corporate real estate business, maintain reasonable and moderate growth of personal housing mortgage loans, and orderly reduce the proportion of real estate-related loans in various loans.
He said that overall, the transition period of the new regulations on mortgage concentration is abundant, and it is expected that the new regulations will have little impact on the growth of loan scale, and the excess will be digested year by year. CCB is also the largest mortgage bank. According to its annual report, by the end of 2020, the balance of individual housing loans of CCB was 5.83 trillion, up 9.9 1%, accounting for 34.73%, slightly higher than the regulatory requirements.
Regarding the centralized management of real estate loans, Bank of Communications said that from the perspective of the real estate loan ceiling management policy announced at the end of 2020, it has little impact on Bank of Communications. Compared with other banks, the bank has room to further increase the quota. Recently, operating loans have entered the real estate market in disguised form in some hot cities. The Bank will promote investigation as the key work this year, and put compliance work in the first place. By the end of 2020, Bank of Communications' real estate corporate loans and mortgage loans totaled * * *1642 billion yuan, accounting for more than 28% of customers' loans.
According to the Notice on Establishing the Management System of Real Estate Loan Concentration of Banking Financial Institutions jointly issued by the Central Bank and the China Banking Regulatory Commission on June 5438+February 3, 2020, the concentration of real estate loans is managed in five grades according to the asset size and institution type of different banks. Among them, six state-owned banks of industry, agriculture, China, construction, communications, postal savings and China Development Bank ranked first, with the upper limit of real estate loans accounting for 40% and personal housing loans accounting for 32.5%.